Software Development for Finance and Fintech Payments, Banking & RegTech
Senior team building regulated fintech, payments, lending, wealth management, and digital banking platforms. PSD2, PCI DSS, SOC 2 Type II, ISO 27001 ready. Shipped in 8 to 20 weeks. USD pricing.
We tell you whether your build maps to a regulated path, and what compliance work that adds to the timeline.
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Who we've built for.
How we work in fintech
- What we build
- Digital banking · Payments · Lending · Wealth · Capital markets · InsurTech · RegTech · Open Banking platforms
- Stack
- Next.js · Node.js · Python · PostgreSQL · AWS · Stripe · Adyen · Plaid · Marqeta · LangChain
- Compliance
- PCI DSS · PSD2 · SOC 2 Type II · ISO 27001 · FFIEC · MiFID II · Dodd-Frank · Open Banking
- Integrations
- Stripe · Adyen · Plaid · Marqeta · Galileo · Currencycloud · SWIFT · core banking (FIS, Fiserv, Mambu)
- Pricing in USD
- Starter build from $12,000 · Production fintech build from $38,000 · Digital banking platform from $48,000
- Output
- Audit-ready code · compliance documentation · runbook · on-call coverage
Fintech moves money. Regulators care. Customers expect Stripe-level UX with bank-level safety. That sets the bar. The rest of this page covers what makes fintech builds different, the segments we serve, the compliance work that ships with every build, what it costs, and the named clients we have shipped for.
Named fintech builds
Three recent regulated fintech and adjacent builds.
Regulated fintech workflow with CRM and partner integration.
Read case study →Consumer wallet with PSD2-aligned SCA and QR payment flows.
Read case study →Regulated billing automation with audit-grade logging and reconciliation.
Read case study →Fintech segments we serve
Digital banking and neo-banking
Account opening, KYC, card issuance, payments, deposits, lending workflows. Built on Marqeta, Galileo, or direct core-banking integration (FIS, Fiserv, Mambu, Temenos, Thought Machine).
Payments and payouts
Card acquiring, ACH, SEPA, real-time payments (FedNow, RTP, FPS, SEPA Instant), cross-border via Stripe, Adyen, Wise, or Currencycloud. Multi-party flows via Stripe Connect or Adyen for Platforms.
Lending and credit
Origination workflows, underwriting models, servicing platforms. Decisioning rules engines (Provenir, Taktile, Alloy) plus ML risk scoring. Bureau pulls via Experian, Equifax, TransUnion.
Wealth and asset management
Portfolio reporting, robo-advisor flows, brokerage integration, MiFID II compliant disclosures, custody integration, performance attribution.
Capital markets and trading
Order management, low-latency execution layers, FIX protocol integration, market-data ingestion from Refinitiv, Bloomberg, Polygon, IEX.
RegTech and compliance
KYC/AML platforms, transaction monitoring, SAR filing automation, ongoing screening against OFAC, EU, UK, UN sanction lists with daily list updates.
InsurTech and embedded insurance
Quote and bind, claims, underwriting workflows. ACORD-compliant data exchange. Embedded distribution via API.
Related services: Custom Software Development, AI & Machine Learning, AI-Powered Software, API Integration, Automation Platforms, Cloud & DevOps, Security Audit, Data Pipeline Engineering, Mobile App Development.
Use cases — concrete examples with cost ranges
Digital banking platform v1
Account opening with KYC (Onfido or Sumsub), card issuance via Marqeta or Galileo, payments via Stripe or Adyen, real-time balance, transaction history, push notifications. Stack: Next.js plus Node.js plus PostgreSQL plus Marqeta plus Plaid. We typically wire in a third-party core banking integration if the program manager has an existing relationship. Typical build 16 to 24 weeks. From $45,000 depending on KYC tier, card features (physical, virtual, multi-currency), and ledger complexity.
Payment platform with split payouts
Multi-party payments with Stripe Connect or Adyen for Platforms. KYC for sellers, automated payouts on configurable schedules, dispute handling with chargeback evidence collection, 1099 reporting for US marketplaces. Reserve and hold logic for fraud and chargeback management. Typical build 10 to 14 weeks. From $16,000 depending on settlement complexity and marketplace tier (US-only versus multi-region).
Lending origination workflow
Application intake, document collection, decisioning rules engine plus ML risk score, e-sign via DocuSign or Dropbox Sign, funding instruction to bank partner. Integration with credit bureaus (Experian, Equifax, TransUnion) for hard and soft pulls. Bank verification via Plaid Auth or MX. Typical build 12 to 18 weeks. From $24,000 depending on number of credit products, bureau count, and decision-tree complexity.
Transaction monitoring and SAR filing
Real-time monitoring of transactions against sanction lists (OFAC, EU, UK) and rules-based AML scenarios (structuring, smurfing, velocity, geography). Alert triage queue, case management, SAR (US) or STR (UK) filing workflow with FinCEN or NCA export. Immutable audit log. Typical build 10 to 16 weeks. From $18,000 depending on transaction volume, regulator export formats, and ML scoring layer.
Why fintech software is different
Fintech builds carry two costs that a normal SaaS does not. First, regulated-data handling: every API, every queue, every log line that touches a card number, an account balance, or a KYC document falls inside an audit boundary. That changes how you architect storage, who can read what, and how you prove it to an auditor twelve months later. Second, integration depth: a payment platform is only as good as the rails it sits on. A digital bank is only as good as its core banking integration. Most of the engineering effort in a fintech build is not in the front end. It is in the integration layer, the audit trail, and the failure-mode design. We design fintech builds around three principles. Separate regulated and non-regulated data paths from day one so the audit boundary stays small. Build every external integration with retry, idempotency, and reconciliation as primary features, not afterthoughts. Treat audit logging as a product surface, not a side effect, because that is what regulators and partner banks ask to see during onboarding diligence.
Implementation roadmap
Every regulated fintech build follows the same five-phase rhythm. Phases overlap by one to two weeks where the stack permits.
Discovery and regulatory scope (2 weeks)
Map the regulated path. Identify applicable regulators (state, federal, supranational) and frameworks. Document data flows for compliance review. Output: regulatory scope document plus data-flow diagram signed off by your compliance lead.
Architecture and security review (2 weeks)
Segregated environments (dev, staging, prod with separate AWS accounts). Audit logging spec. IAM model. Encryption at rest and in transit. Secrets management. Output: ADR (architecture decision record) plus security baseline document.
Build (8 to 16 weeks)
Two-week sprints, deploys to staging every sprint, weekly demo with your stakeholders. Code review focused on regulated-data handling. Test coverage gate of 80 percent on the regulated-data services.
Hardening (2 weeks)
Penetration test coordination with a partner pen-test firm. Load testing at 3x projected peak. Audit-evidence collection wired into Drata or Vanta. Output: pen-test remediation report plus SOC 2 evidence pack.
Launch (1 week)
Production deploy with feature flags. Monitoring (Datadog, New Relic, or Grafana). On-call rotation set up with PagerDuty. Runbook delivered. Day 1 to 7 we run dual on-call with your team.
Tech stack and architecture
Default fintech stack. Each layer chosen because it carries audit history and clear documentation. Substitute where your existing landscape forces it.
- Front end: Next.js with TypeScript. Server-side rendered for SEO on marketing surfaces, client-side for authenticated banking surfaces. WCAG 2.2 AA accessibility baseline.
- Application layer: Node.js or Python (FastAPI). Stateless services behind an API gateway. Idempotency keys on every write.
- Data layer: PostgreSQL for transactional state. Redis for session and rate-limit. Encrypted at rest via AWS KMS. Field-level encryption for PAN, SSN, and account numbers.
- Payments and KYC integration: Stripe or Adyen for card. Plaid or TrueLayer for bank linking. Onfido or Sumsub for identity. All wrapped in a retry-and-reconcile pattern.
- Core banking and ledger: Direct integration with FIS, Fiserv, Mambu, or 10x Banking. Internal ledger in PostgreSQL using double-entry pattern for non-bank flows.
- Audit and logging: Immutable audit log to AWS CloudWatch or Datadog plus S3 cold storage. Every regulated-data read and write captured with actor, timestamp, IP, request ID.
- Cloud and infrastructure: AWS by default. Multi-AZ. Infrastructure as Code via Terraform. Secrets in AWS Secrets Manager. SOC 2 control evidence collected automatically via Drata or Vanta integration.
Compliance and audit readiness
Every fintech build ships with the documentation regulators and audit firms ask for. We work to PCI DSS for cardholder data, PSD2 plus Strong Customer Authentication for EU payments, SOC 2 Type II for SaaS controls, ISO 27001 for information security management, FFIEC guidance for US bank-supervised workloads, MiFID II for EU investment services, Dodd-Frank for US systemic-risk reporting, and Open Banking standards (UK Open Banking, EU PSD2/PSD3, Singapore SGFinDex) where account-info or payment-initiation APIs are involved. We do not issue audit certificates. We build software architecture that passes audit with your partner audit firm. Drata and Vanta evidence collection wired in from week 1 cuts auditor billable hours by 40 percent in our experience.
Cost drivers we see in fintech builds
Fintech build cost varies 3x to 6x for the same surface area. These are the seven drivers we see push or pull on the number.
- Number of regulated frameworks in scope. PCI alone is one cost line. PCI plus SOC 2 plus a state money-transmitter license adds three audit documentation streams.
- Number of external integrations. Every bank, every bureau, every KYC provider, every card processor is a separate integration with its own sandbox, contracts, and SLAs.
- Decisioning complexity. A 10-rule decisioning tree costs little. A 200-rule tree with ML risk scoring and bureau orchestration is a multi-month build.
- Multi-currency and FX. Single currency is cheap. Multi-currency with daily FX revaluation, retained-earnings translation, and cross-border settlement adds 20 to 35 percent.
- Reconciliation surface. Reconciling card auths, captures, refunds, chargebacks, and bank statements is its own engineering project once volumes pass 10,000 transactions per day.
- Audit log depth. Bare logs are cheap. Field-level immutable audit logs with cryptographic chain-of-custody add a separate logging service and 5 to 10 percent of build cost.
- Pen-test and audit prep. First-year SOC 2 Type II readiness is a 6 to 12 month engagement on top of the build.
Pricing
Fintech Starter build
From $12,000
- One core flow, basic KYC, single payment rail.
- 8 to 12 weeks. Designed to validate the regulated path with a partner bank or sandbox.
Production fintech build
From $38,000
- Multi-flow, KYC plus AML, multi-rail payments, audit logging, on-call runbook.
- 12 to 18 weeks.
Digital banking platform
From $48,000
- Account, cards, payments, deposits, lending workflows. Core banking integration.
- 16 to 24 weeks.
Compliance and pen-test prep
From $8,000
- SOC 2 Type II readiness or PCI DSS scoping.
- 6 to 10 weeks. Includes evidence collection automation.
Maintenance retainer
From $3,750 / month
- On-call cover, security patching, dependency upgrades, regulatory updates. SLA-backed.
Fintech trends shaping 2026 builds
Six fintech shifts that are changing how we scope builds in 2026.
- AI-assisted underwriting moving to production. Lenders adopting LLM-driven document extraction and decisioning copilots. We build with guardrails (model versioning, decision audit, explainability) so the AI layer passes regulator review.
- Real-time payments becoming default. FedNow and RTP volumes have climbed sharply since launch. New builds default to real-time rails with batch ACH as fallback rather than the other way around.
- Embedded finance maturing. Stripe Capital, Adyen Capital, and bank-as-a-service platforms (Treasury Prime, Synctera, Unit) are stable enough to embed credit, accounts, and cards into vertical SaaS without writing a charter.
- Stablecoin rails entering mainstream payouts. USDC and PYUSD settlement adopted by cross-border platforms. We build with Circle, Stripe, or BVNK depending on jurisdiction and treasury model.
- Regulatory convergence on operational resilience. DORA in EU, OSFI E-21 in Canada, and updated FFIEC handbook in US all converge on operational resilience requirements (third-party risk, incident response, backup and recovery). Builds now include the operational resilience runbook as a default deliverable.
- Open Banking expanding to Open Finance. UK and EU moving from PSD2 to PSD3, extending account-info APIs to investment, pension, and insurance data. Aggregator integration scope is widening.
FAQ
No. We architect for PCI compliance and route cardholder data through Stripe Elements or Adyen Drop-in so your servers stay out of PCI scope. For builds that must store PAN data, we work with your Level 1 service provider or build with HSM-backed tokenisation. We deliver the SAQ-A or SAQ-D readiness pack for your acquirer.
Yes. Structured 6 to 12 month engagement with a partner audit firm. We build the architecture and processes that pass audit. Drata or Vanta wired in from week 1 to automate evidence collection. Auditor verifies, we do not.
Yes. FIS, Fiserv, Mambu, Temenos, Finastra, plus newer cores (10x Banking, Thought Machine, Mbanq). API or ESB integration depending on what the core supports. We have shipped against direct REST APIs, SOAP, and file-based EOD batch integrations.
KYC via Onfido, Sumsub, Veriff, or Jumio with fall-back manual review queue. AML transaction monitoring via ComplyAdvantage, Alloy, or a custom rules engine. Sanction screening against OFAC, EU, UK, UN lists with daily list updates and a triage queue your compliance team can run.
Yes. PSD2 SCA via biometric or device-bound auth. Open Banking APIs (UK Open Banking, EU PSD2/PSD3, Singapore SGFinDex, Brazil Open Finance). Sandbox testing through major aggregators (Plaid, Tink, TrueLayer, Yapily) and direct bank API integration where margins justify.
FedNow and RTP for US. Faster Payments (FPS) for UK. SEPA Instant for EU. PIX for Brazil. Direct ACH for batch US payments. Integration through bank partners or aggregator (Modern Treasury, Currencycloud, Wise, Airwallex).
Yes. Multi-currency accounting with daily FX rate sync (Open Exchange Rates, Wise FX, Currencycloud). Cross-border payments via Wise, Currencycloud, or Airwallex. Internal ledger built using double-entry pattern with currency revaluation at period close.
Decisioning rules engine (custom or via Provenir, Taktile, Alloy). ML risk scoring with custom models or via TruEra, Pendo, Zest AI. Bureau integration (Experian, Equifax, TransUnion) for hard and soft credit pulls. Adverse action notice generation for US Reg B compliance.
Drata or Vanta integration wired from day 1. Every infrastructure change, code merge, access grant, and config change captured automatically. Reduces your auditor billable hours by roughly 40 percent in our experience versus manual evidence collection.
Yes. Treasury Prime, Synctera, Unit, Column, Bond (acquired by FIS), Solid, plus international BaaS (Railsr, Solarisbank). We map your product needs against BaaS feature matrices before recommending one and account for sponsor-bank approval timelines (typically 8 to 16 weeks).